Data transmission method for mobile near field payment and user equipment

Abstract

A method of data transmission for mobile near-field payment that is performed in a user equipment, comprising: establishing a first communication link based on near-field communication with a POS terminal; after the establishment of the first communication link, establishing a secure channel with the POS terminal, in order to conduct the first interaction related to the transaction request with the POS terminal through the secure channel; establishing a second communication link with the POS terminal, wherein the second communication link has longer communication distance and faster transmission speed compared to the first communication link, and the second communication link is arranged to conduct data transmission in an encryption manner; via the second communication link, the user equipment conducts the second interaction related to the transaction reply with the POS terminal. Also included is a user equipment for mobile near-field payment.

1 . A method of data transmission for mobile near-field payment that is performed in a user equipment, the method includes:
 establishing a first communication link based on near-field communication with a POS terminal;   after the establishment of the first communication link, establishing a secure channel with the POS terminal, in order to conduct a first interaction related to a transaction request with the POS terminal through the secure channel;   establishing a second communication link with the POS terminal, wherein, compared to the first communication link, the second communication link has longer communication distance and faster transmission speed, and the second communication link is arranged to conduct data transmission in an encryption manner,   via the second communication link, the user equipment conducts a second interaction related to the transaction reply with the POS terminal.   
     
     
         2 . The method according to  claim 1 , wherein the first interaction conducted between the user equipment and the POS terminal includes one or more of the following operations: application selection, application initialization, reading application data, and generating dynamic application ciphertext. 
     
     
         3 . The method according to  claim 1 , wherein the second interaction conducted between the user equipment and the POS terminal includes one or more of the following operations: validating ARPC ciphertext, sending script execution notification, and performing script. 
     
     
         4 . The method according to  claim 1 , further comprising: after the establishment of the second communication link, the user equipment is configured to start a timer, while disconnecting the first communication link based on near-field communication with the POS terminal. 
     
     
         5 . The method according to  claim 1 , further comprising: through the second communication link, receiving the pushed electronic ticket from the value-added service system via the POS terminal. 
     
     
         6 . The method according to  claim 5 , further comprising: after receipt of the electronic ticket and upon detection of the POS terminal actively disconnecting the second communication link, releasing resources associated with the second communication link. 
     
     
         7 . The method according to  claim 4 , wherein, when the timer reaches a predetermined threshold, the user equipment actively disconnects the second communication link with the POS terminal. 
     
     
         8 . The method according to  claim 1 , wherein, the user equipment is configured to use an asymmetric encryption algorithm to encrypt data for transmission on the second communication link. 
     
     
         9 . The method according to  claim 1 , wherein the second communication link is a WiFi link or a Bluetooth link. 
     
     
         10 . A user equipment for mobile near-field payment, comprising:
 a secure application configured to provide a secure storage and running environment for sensitive information;   a near-field communication module configured to establish the first communication link based on near-field communication with the POS terminal; and   a second communication module configured to establish the second communication link with the POS terminal, the second communication link has longer communication distance and faster transmission speed compared to the second communication link, and the second communication link is arranged to conduct data transmission in an encryption manner,   wherein, after the establishment of the first communication link, the secure application is configured to establish a secure channel with the POS terminal, in order to conduct a first interaction related to a transaction request with the POS terminal through the secure channel,   and wherein, via the second communication link established by the second communication module, the user equipment conducts a second interaction related to the transaction reply with the POS terminal.   
     
     
         11 . The user equipment according to  claim 10 , wherein the first interaction related to the transaction request includes one or more of the following operations: application selection, application initialization, reading application data, and generating dynamic application ciphertext. 
     
     
         12 . The user equipment according to  claim 10 , wherein the second interaction related to the transaction reply includes one or more of the following operations: validating ARPC ciphertext, sending script execution notification, and performing script. 
     
     
         13 . The user equipment according to  claim 10 , further comprising a timer, wherein, after the establishment of the second communication link, the timer is started. 
     
     
         14 . The user equipment according to  claim 13 , wherein, while the timer is started, the near-field communication module in the user equipment disconnects the first communication link based on near-field communication with the POS terminal. 
     
     
         15 . The user equipment according to  claim 10 , wherein the second communication module is configured to receive the pushed electronic ticket from the value-added service system via the POS terminal. 
     
     
         16 . The user equipment according to  claim 15 , wherein the second communication module is further configured to, after receipt of the electronic ticket, detect whether the POS terminal actively disconnects the second communication link; and if so, release resources associated with the second communication link. 
     
     
         17 . The user equipment according to  claim 13 , wherein, when the timer reaches a predetermined threshold, the second communication module is configured to actively disconnect the second communication link with the POS terminal. 
     
     
         18 . The user equipment according to  claim 10 , wherein the secure module is configured to user an asymmetric encryption algorithm to encrypt data, and further utilizes the second communication link to transmit the encrypted data. 
     
     
         19 . The user equipment according to  claim 10 , wherein the second communication link is a WiFi link or a Bluetooth link.